Toyota RAV4 Hybrid Insurance Rates
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UPDATED: Apr 15, 2024
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U.S. average insurance prices for a Toyota RAV4 Hybrid are $1,230 every 12 months for full coverage insurance. Comprehensive costs on average $260 a year, collision costs $450, and liability coverage is estimated at $384. A policy with just liability insurance costs approximately $432 a year, with coverage for high-risk drivers costing around $2,656. Teens pay the highest rates at $4,598 a year or more.
Average premium for full coverage: $1,230
Price estimates by individual coverage:
Prices are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and RAV4 Hybrid trim levels.
Price Range from Low to High
For the average driver, Toyota RAV4 Hybrid insurance prices go from the cheapest price of $432 for minimum levels of liability insurance to a high of $2,656 for coverage for higher-risk drivers.
Geographic Price Range
Living in a larger city has a large influence on insurance rates. Rural areas have more infrequent physical damage claims than cities with more traffic congestion.
The diagram below illustrates how location impacts car insurance rates.
The ranges above illustrate why it is important to get quotes based on a specific location and their own driving history, rather than using averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Details
The chart below illustrates estimated Toyota RAV4 Hybrid insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $708
- Choosing higher $1,000 deductibles can save around $1,068 each year
- The average price for the average middle-age driver with $500 deductibles is $1,230
- Selecting low $100 deductibles for comp and collision coverage increases the price to $1,542
- Drivers with serious driving violations could pay upwards of $2,656 or more
- The price to insure a teenage driver may cost $4,598 each year
Insurance prices for a Toyota RAV4 Hybrid are also quite variable based on deductibles and policy limits, your risk profile, and the trim level of your RAV4 Hybrid.
Choosing higher comprehensive and collision insurance deductibles can save as much as $480 a year, while buying higher liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $345 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles may only pay around $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay upwards of $4,500 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying at a minimum $1,500 to $2,000 extra each year, depending on your age. A high-risk auto insurance policy ranges around 43% to 136% more than the average policy. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Toyota RAV4 Hybrid insurance rates. A good driver about age 40 could pay as low as $800 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,660 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,108 | -$122 | -9.9% |
| Alaska | $942 | -$288 | -23.4% |
| Arizona | $1,018 | -$212 | -17.2% |
| Arkansas | $1,230 | -$0 | 0.0% |
| California | $1,400 | $170 | 13.8% |
| Colorado | $1,172 | -$58 | -4.7% |
| Connecticut | $1,262 | $32 | 2.6% |
| Delaware | $1,388 | $158 | 12.8% |
| Florida | $1,534 | $304 | 24.7% |
| Georgia | $1,136 | -$94 | -7.6% |
| Hawaii | $882 | -$348 | -28.3% |
| Idaho | $832 | -$398 | -32.4% |
| Illinois | $914 | -$316 | -25.7% |
| Indiana | $926 | -$304 | -24.7% |
| Iowa | $830 | -$400 | -32.5% |
| Kansas | $1,164 | -$66 | -5.4% |
| Kentucky | $1,676 | $446 | 36.3% |
| Louisiana | $1,818 | $588 | 47.8% |
| Maine | $758 | -$472 | -38.4% |
| Maryland | $1,012 | -$218 | -17.7% |
| Massachusetts | $980 | -$250 | -20.3% |
| Michigan | $2,132 | $902 | 73.3% |
| Minnesota | $1,030 | -$200 | -16.3% |
| Mississippi | $1,472 | $242 | 19.7% |
| Missouri | $1,088 | -$142 | -11.5% |
| Montana | $1,318 | $88 | 7.2% |
| Nebraska | $966 | -$264 | -21.5% |
| Nevada | $1,472 | $242 | 19.7% |
| New Hampshire | $886 | -$344 | -28.0% |
| New Jersey | $1,372 | $142 | 11.5% |
| New Mexico | $1,086 | -$144 | -11.7% |
| New York | $1,294 | $64 | 5.2% |
| North Carolina | $706 | -$524 | -42.6% |
| North Dakota | $1,006 | -$224 | -18.2% |
| Ohio | $846 | -$384 | -31.2% |
| Oklahoma | $1,260 | $30 | 2.4% |
| Oregon | $1,126 | -$104 | -8.5% |
| Pennsylvania | $1,170 | -$60 | -4.9% |
| Rhode Island | $1,638 | $408 | 33.2% |
| South Carolina | $1,116 | -$114 | -9.3% |
| South Dakota | $1,038 | -$192 | -15.6% |
| Tennessee | $1,076 | -$154 | -12.5% |
| Texas | $1,482 | $252 | 20.5% |
| Utah | $908 | -$322 | -26.2% |
| Vermont | $840 | -$390 | -31.7% |
| Virginia | $736 | -$494 | -40.2% |
| Washington | $946 | -$284 | -23.1% |
| West Virginia | $1,126 | -$104 | -8.5% |
| Wisconsin | $850 | -$380 | -30.9% |
| Wyoming | $1,094 | -$136 | -11.1% |
Since prices can be so different, the only way to figure out exactly what you will pay is to get quotes and see how they stack up. Each auto insurer calculates prices differently, so the prices may be quite different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota RAV4 Hybrid | $336 | $562 | $316 | $1,350 |
| 2023 Toyota RAV4 Hybrid | $320 | $542 | $332 | $1,330 |
| 2022 Toyota RAV4 Hybrid | $306 | $536 | $338 | $1,316 |
| 2021 Toyota RAV4 Hybrid | $296 | $524 | $354 | $1,310 |
| 2019 Toyota RAV4 Hybrid | $270 | $484 | $376 | $1,266 |
| 2018 Toyota RAV4 Hybrid | $260 | $450 | $384 | $1,230 |
| 2017 Toyota RAV4 Hybrid | $250 | $424 | $388 | $1,198 |
Rates are averaged for all Toyota RAV4 Hybrid models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for Affordable Toyota RAV4 Hybrid Insurance
Getting lower rates on auto insurance takes having a decent driving record, having good credit, not filing small claims, and bundling your home and auto policies. Spend time shopping around at least once a year by getting price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following items are a brief review of the primary concepts that were touched on above.
- It is possible to save as much as $150 per year simply by quoting early and online
- Drivers with DUI or reckless driving convictions pay on average $1,430 more each year than a driver with a clean driving record
- Increasing physical damage deductibles could save as much as $475 each year
- 16 to 18-year-old drivers pay the highest prices, as much as $383 a month if they have full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,598 |
| 20 | $2,826 |
| 30 | $1,278 |
| 40 | $1,230 |
| 50 | $1,124 |
| 60 | $1,104 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,542 |
| $250 | $1,398 |
| $500 | $1,230 |
| $1,000 | $1,068 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,230 |
| 50/100 | $1,307 |
| 100/300 | $1,403 |
| 250/500 | $1,652 |
| 100 CSL | $1,345 |
| 300 CSL | $1,556 |
| 500 CSL | $1,710 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,562 |
| 20 | $4,498 |
| 30 | $2,712 |
| 40 | $2,656 |
| 50 | $2,534 |
| 60 | $2,512 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $66 |
| Multi-vehicle | $65 |
| Homeowner | $19 |
| 5-yr Accident Free | $89 |
| 5-yr Claim Free | $80 |
| Paid in Full/EFT | $55 |
| Advance Quote | $60 |
| Online Quote | $88 |
| Total Discounts | $522 |
Discounts are estimated and may not be available from every company or in every state.
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